Disclaimer & terms of use

1. Who we are and what these terms cover

PropAgent AI is operated from Ontario, Canada and is offered to users in Canada. These terms form the agreement between you and PropAgent AI for the website, the analysis engine, reports, Design Studio, and every shared or exported document produced by the service. By creating an account, running an analysis, or opening a report link, you accept them.

If you use the service on behalf of a brokerage, a corporation or a partnership, you confirm you are authorised to bind that organisation, and "you" means both you and that organisation.

2. What a PropAgent AI report is

A report is an automated feasibility screen. It reads the zoning by-laws and reference data we hold for the municipality, applies them to the property details supplied, and shows the development scenarios that appear to be available together with an indicative view of their economics.

Every rule applied is shown with the by-law provision it comes from, the date that version came into force, and a link to the official source. Every number we cannot derive from a rule or a cited benchmark is labelled as an estimate or shown as not established. A report is frozen at the moment it is created; later data changes do not rewrite it.

3. What it is not — no professional advice

The service is not planning advice, legal advice, engineering or architectural advice, an appraisal within the meaning of professional appraisal standards, mortgage brokering, or financial or investment advice. No solicitor–client, agency, fiduciary or other professional relationship is created by using it.

It is not a zoning certificate, a compliance letter, a pre-application consultation, a committee of adjustment or Ontario Land Tribunal opinion, a building permit, or any approval or pre-approval under the Planning Act (Ontario), the Building Code Act, 1992, the Ontario Heritage Act, the Conservation Authorities Act, or any municipal by-law.

Nothing in a report is a trade in real estate, a representation about value for the purposes of the Trust in Real Estate Services Act, 2020 (TRESA), or a substitute for advice a registered brokerage owes its client. A registrant who shares a PropAgent report with a client remains solely responsible for their own advice and for their obligations under TRESA and RECO rules.

4. The data behind a report

Reports draw on published municipal by-laws, provincial legislation, open government data published under licences such as the Open Government Licence – Ontario and municipal open data licences, and cost, rent and market benchmarks from published sources including Statistics Canada and CMHC. Each item carries its source, its effective date and a confidence level, and we record which version of every rule set, cost set, scoring model and financial model produced a given report.

Public data can be out of date, incomplete, or superseded between refresh cycles. Site-specific matters — heritage designation or listing, conservation authority regulated areas, easements, restrictive covenants, site plan control, holding provisions, minimum distance separation, contamination, servicing capacity, and title matters — may apply to a property and may not be reflected in our data.

Where we do not hold enough information to reach a conclusion, the report says so instead of guessing. The absence of a flagged risk is not evidence that no risk exists. We do not provide title, off-title or environmental searches.

5. Financial figures are illustrative

Construction costs, development charges, sale prices, rents, interest rates, absorption and timelines are modelled from published benchmarks and from the assumptions you enter. Actual costs and revenues will differ, often materially.

Sensitivity ranges show how an outcome moves if an assumption is wrong. They are not a forecast, a valuation, an offer, a guarantee of a result, or a recommendation to buy, sell, finance or develop any property. We make no representation, within the meaning of the Competition Act or otherwise, that any return shown will be achieved.

6. Verify before you act

Before you make an offer, waive a condition, or commit money, confirm the findings with the municipality's planning department and with your own qualified professionals: a registered professional planner, a land-use lawyer, an Ontario Land Surveyor, a designer or architect, and a cost consultant.

You are responsible for the decisions you make and for confirming that any use you make of a report complies with the law and with your own professional obligations.

7. Service provided "as is"; limitation of liability

To the fullest extent permitted by applicable law, the service is provided on an "as is" and "as available" basis, and we exclude all conditions, warranties and representations, express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement.

To the fullest extent permitted by applicable law, PropAgent AI and its directors, officers, employees and suppliers are not liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost opportunity, lost data, or the cost of substitute services, arising out of or relating to the service, whether in contract, tort (including negligence), statute or otherwise, even if advised of the possibility.

Our total aggregate liability for all claims relating to the service is limited to the greater of the amount you paid us for the service in the twelve months before the event giving rise to the claim, and one hundred Canadian dollars (CAD $100).

Nothing in these terms excludes or limits liability that cannot be excluded or limited by law, including liability for fraud, fraudulent misrepresentation, or death or personal injury caused by negligence, and nothing limits any right you have as a consumer under the Consumer Protection Act, 2002 (Ontario) or equivalent consumer legislation in your province.

8. Your account, licence and acceptable use

We grant you a non-exclusive, non-transferable, revocable licence to use reports for your own purchase, development, brokerage or advisory work, including sharing a report with your own client, lender or professional advisor. PropAgent AI retains all intellectual property in the service, the models, the rule library and the report format.

You may not resell reports as a data product, republish them as a data feed, scrape or bulk-extract the service, reverse engineer the models, use the output to train a competing model, or present the output as the work of a licensed professional.

You must have the right to submit any property information you enter, and you must not enter personal information about another individual without their consent.

Shared report links are unlisted, can be given an end date, and can be switched off at any time by the person who created the report. Treat a live link as public.

9. Payment, taxes and cancellation

Prices are in Canadian dollars and exclude applicable taxes, including HST, which are added at checkout. Subscriptions renew for successive terms until cancelled, and cancellation takes effect at the end of the current billing period.

A report is a digital product delivered immediately. Where a refund is not required by law, we still refund a report that failed to generate or that contains a defect we cannot correct. Consumer rights under the Consumer Protection Act, 2002 (Ontario), including any statutory cancellation rights, are unaffected by this section.

10. Privacy and electronic messages

We collect and use personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA). We collect the account details you give us, the property addresses and assumptions you enter, and usage records needed to run and secure the service. Data is processed on servers in Canada and the United States by our infrastructure providers.

When you share a report link, we record how many times the link was opened, how far the document was read, and whether it was downloaded, so the sender can see whether their client read it. We do not identify the reader beyond the label the sender puts on the link, and we do not sell personal information.

Commercial electronic messages are sent only with consent as required by Canada's Anti-Spam Legislation (CASL); every such message carries an unsubscribe link. Transactional messages about your account, a report you requested, or a report shared with you are sent as part of the service.

You may request access to, correction of, or deletion of your personal information at support@propagent.ca.

11. Coverage and beta status

PropAgent AI currently covers Toronto and Mississauga. Coverage, rules, models and pricing change as the service develops, and we may change or discontinue features. Material changes to these terms will be posted here with a new effective date.

If a report looks wrong, use the feedback box on the report — a person reads every submission, and corrections are applied to the rule library with a version note.

12. Governing law and disputes

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario. The courts of Ontario have exclusive jurisdiction, and you and we each attorn to that jurisdiction, except where mandatory consumer protection law in your province of residence gives you the right to bring a claim locally.

The parties have required that these terms and all related documents be drawn up in English. Les parties ont exigé que la présente convention et tous les documents connexes soient rédigés en anglais.

13. Contact

Questions about these terms, a report, a correction request, or a privacy request: support@propagent.ca. We answer privacy requests within thirty days as required by PIPEDA.